LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.
  • We are hiring! Click here to view our open positions.

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

Do I Need More Homeowners Coverage After Renovating?

Posted: October 16, 2019

Renovations can add substantial value to your home. Adding on a front porch, putting in a swimming pool, remodeling your kitchen, and other improvements can not only make your home more pleasant and comfortable to live in, but also increase its market value. After a remodeling project, it is vital to reevaluate your homeowners policy and ensure you have the right coverage at the best...

What Is Guaranteed Replacement Cost?

Posted: October 11, 2019

There are few things in life worse than losing your home to fire or a natural disaster. Except, that is, discovering in the aftermath that you don’t have enough homeowners insurance coverage to rebuild the house back to the way it was before trouble struck. If you get guaranteed replacement cost coverage, that is unlikely to happen. Why? Because guaranteed replacement cost will pay for...

Bat In Your House? Here’s How To Get It Out.

Posted: October 9, 2019

You’re watching TV or making dinner when you hear the flapping of wings. Imagine your surprise when you discover it’s not a bird, but a bat that’s found its way into your home! Nobody likes uninvited guests. But compared to common pests like flies, ants, or mice, a flying bat circling above you is universally spooky. That’s because these winged creatures have developed a reputation as disease-carrying...

What Kind of Insurance Do I Need If I Rent Out My Home?

Posted: October 4, 2019

If you own a home, you probably already have homeowners insurance to protect your investment from covered losses. However, a standard homeowners policy may not cover damages that occur when your house is being rented out, depending on the length of the rental term and the situation. Our experienced agent can advise you on what insurance you need if you plan to rent out your...